Road to Ownership: Financing Your Heavy Truck with Less-Than-Perfect Business Credit

Two garbage trucks that were financed via heavy trucks for businesses with bad credit.
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Financing heavy trucks for businesses with bad credit 

Owning a heavy truck is a cornerstone for many businesses, but securing financing can be a bumpy road, especially with less-than-perfect credit. Don't let credit challenges derail your business goals! Let's explore your options and pave the way to heavy truck ownership. 

A man using a calculator at a heavy truck job site.

Navigating the Financing Landscape 

Financing a heavy truck with less-than-stellar credit can feel like an uphill battle, but it's not impossible. Traditional lenders might be hesitant, but specialized financing options exist. 

Your Options: More Than Just a Truckload of Problems 

  • Specialized Lenders: These lenders focus on customers with credit challenges. They understand the unique needs of businesses and offer tailored financing solutions. 

  • Dealer Financing: Some dealerships collaborate with specialized lenders to provide financing options for customers with less-than-perfect credit. For example, Dirt Cheap Truck Sales offers financing options for individuals and businesses.  

  • Credit Unions and Banks: While less likely, some credit unions and banks might offer financing programs for businesses with less-than-perfect credit. 

Contact Our Finance Department


Tips for a Smoother Road 

  • Build a Strong Business Case: Showcase your business's stability and potential for repaying the loan. 

  • Consider Collateral: Offering collateral, like the truck itself, can significantly improve your chances of securing financing. 

  • Aim for a Larger Down Payment: A substantial down payment demonstrates your commitment and reduces the loan amount, making you a more attractive borrower. 

  • Do Your Homework: Compare offers from different lenders to find the best terms and rates that suit your business needs. When you're ready, Dirt Cheap Truck Sales offers a wide selection of heavy trucks for sale and lease that can serve many purposes for your business. 

A man using a tablet computer at a heavy job work site, potentially to calculate financing for his business with bad credit.

Dirt Cheap Truck Sales: Your Partner in the Journey 

While Dirt Cheap Truck Sales doesn't offer direct financing, we're committed to helping you find the right truck and financing solutions. Our knowledgeable team can provide guidance and connect you with potential lenders, as well as a smooth and easy pre-approval process. Visit our dealership near Tampa, FL, and let's work together to find the perfect heavy truck for your business! 

Remember, securing financing with less-than-perfect credit might require extra effort, but it's achievable. With the right approach and determination, you can overcome challenges and drive your business forward. 

Let's get you on the road to success! 

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Interested in Used Heavy Commercial Trucks near Tampa?
34 Results
2015 Autocar ACX64 28 Yard Heil Side Loader Garbage Truck
2015 Autocar ACX64 28 Yard Heil Side Loader Garbage Truck
Tampa, FL, 350 H.P. Cummins ISX12 Engine, 28 Yard Heil Side Loader Garbage Truck, # 110398
Mileage 168,610
Engine 350 H.P. Cummins ISX12 Engine
Price
$79,900
DetailsShow selling price
2016 Autocar ACX64 28 yard Heil Side Loader Garbage Truck
2016 Autocar ACX64 28 yard Heil Side Loader Garbage Truck
Tampa, FL, 350 hp Cummins ISX12, 28 yard Heil Side Loader Garbage Truck, Automatic, # 110394
Mileage 220,689
Engine 350 hp Cummins ISX12
Price
$79,900
DetailsShow selling price
2016 Autocar ACX64 28 yard Heil Side Loader Garbage Truck
2016 Autocar ACX64 28 yard Heil Side Loader Garbage Truck
Tampa, FL, 350 hp Cummins ISX12, 28 yard Heil Side Loader Garbage Truck, Automatic, # 110392
Mileage 192,120
Engine 350 hp Cummins ISX12
Price
$79,900
DetailsShow selling price
2016 Autocar ACX64 28-31 yard Heil Side Loader Garbage Truck
2016 Autocar ACX64 28-31 yard Heil Side Loader Garbage Truck
Tampa, FL, 350 hp Cummins ISX12, 28-31 yard Heil Side Loader Garbage Truck, Automatic, # 110395
Mileage 188,636
Engine 350 hp Cummins ISX12
Price
$79,900
DetailsShow selling price
2016 Autocar ACX64 28 yard Heil Side Loader Garbage Truck
2016 Autocar ACX64 28 yard Heil Side Loader Garbage Truck
Tampa, FL, 350 h.p. Cummins X12 Engine, 28 yard Heil Side Loader Garbage Truck, Automatic, # 110427
Mileage 160,715
Engine 350 h.p. Cummins X12 Engine
Price
$79,901
DetailsShow selling price
2014 Mack MRU613 10 yard DuraClass Dump Truck
2014 Mack MRU613 10 yard DuraClass Dump Truck
Tampa, FL, 235 hp Mack MP7, 10 yard DuraClass Dump Truck, Automatic, # 110549
Mileage 105,815
Engine 235 hp Mack MP7
Price
$79,999
DetailsShow selling price
2016 Freightliner M2 Rear Steer Petersen Lightning Loader Grapple Truck
2016 Freightliner M2 Rear Steer Petersen Lightning Loader Grapple Truck
Tampa, FL, 240 hp ISB Cummins, Rear Steer Petersen Lightning Loader Grapple Truck, Automatic, # 109140
Mileage 21,725
Engine 240 hp ISB Cummins
Price
$89,900
DetailsShow selling price
2015 Peterbilt 337 8,000 lb. Galbreath CDU
2015 Peterbilt 337 8,000 lb. Galbreath CDU
Tampa, FL, 250 HP Cummins/Paccar PX7, 8,000 lb. Galbreath CDU, Automatic, # 110411
Mileage 92,082
Engine 250 HP Cummins/Paccar PX7
Price
$89,900
DetailsShow selling price
2010 Freightliner M2 106 28 yard Pac-Mac Grapple Truck
2010 Freightliner M2 106 28 yard Pac-Mac Grapple Truck
Tampa, FL, 240 hp Cummins ISB, 28 yard Pac-Mac Grapple Truck, Automatic, # 110492
Mileage 111,954
Engine 240 hp Cummins ISB
Price
$89,900
DetailsShow selling price
2012 Mack MRU613 31 yard EZ Pack Rear Loader Garbage Truck
2012 Mack MRU613 31 yard EZ Pack Rear Loader Garbage Truck
Tampa, FL, 350 hp Mack MP7, 31 yard EZ Pack Rear Loader Garbage Truck, Automatic, # 110368
Mileage 85,981
Engine 350 hp Mack MP7
Price
$99,900
DetailsShow selling price
2017 Mack LR613 31 yd Dadee Scorpion Side Loader Garbage Truck
2017 Mack LR613 31 yd Dadee Scorpion Side Loader Garbage Truck
Tampa, FL, 345 HP Mack MP7, 31 yd Dadee Scorpion Side Loader Garbage Truck, Automatic, # 109097
Mileage 91,869
Engine 345 HP Mack MP7
Price
$99,900
DetailsShow selling price
2013 Mack MRU613 40 yard Heil Front Loader Garbage Truck
2013 Mack MRU613 40 yard Heil Front Loader Garbage Truck
Tampa, FL, 325 hp Mack MP7, 40 yard Heil Front Loader Garbage Truck, Automatic, # 110507
Mileage 81,060
Engine 325 hp Mack MP7
Price
$99,900
DetailsShow selling price
2018 Mack LR613 31 yard Dadee Side Loader Garbage Truck
2018 Mack LR613 31 yard Dadee Side Loader Garbage Truck
Tampa, FL, Mack MP7, 31 yard Dadee Side Loader Garbage Truck, # 110428
Mileage 88,627
Engine Mack MP7
Call For Price
DetailsShow selling price
2019 Kenworth T370 24 yard Palfinger Grapple Truck
2019 Kenworth T370 24 yard Palfinger Grapple Truck
Tampa, FL, 330 hp Cummins PX9, 24 yard Palfinger Grapple Truck, Automatic, # 110425
Mileage 50,599
Engine 330 hp Cummins PX9
Call For Price
DetailsShow selling price